Policy wording - explaining exactly what's covered
Policy wording - explaining exactly what's covered
John Lewis plc is an Appointed Representative of Munich Re Digital Partners Ltd which is authorised and regulated by the Financial Conduct Authority and Covea Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Protecting your personal treasures
Whether it's a priceless painting, a rare sculpture, or a valuable antique, insurance for art and collectibles provides cover against various risks, including theft, damage, and loss.
Your personal art and collectibles could be covered by our Gold, Silver or Bronze Contents Cover (with the option to add accidental damage cover) or Specialist Home Insurance.
Your personal collection could be covered from:
Burglary
Loss
Damages
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Artwork worth up to £20,000 can be covered by John Lewis Contents Insurance.
For more valuable pieces of art, and a more extensive level of protection including worldwide cover, we offer John Lewis Specialist Home Insurance.
Policies will be subject to exclusions and limitations. For full details, please carefully read the policy wording.
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We’ll cover:
Exclusions apply. For full details, please carefully read the policy documents.
Protect your art with John Lewis Home Insurance
When choosing your policy, it’s worth considering how much cover you think you need.
Our cover levels will pay towards the total cost of valuables in the home up to the following amounts:
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Cover levels
| Bronze | Silver | Gold | Specialist | |
| Contents | £50,000 | £100,000 | Unlimited | Bespoke |
| Replacement cost of total valuables (unspecified maximum limit) | £10,000 | £20,000 | £40,000 | Bespoke |
| Replacement cost of total valuables (specified maximum limit) | £40,000 | £40,000 | £40,000 | Bespoke |
| Valuables single article limit (unspecified items) |
£3,000 | £3,000 | £3,000 | Bespoke |
| Valuables single article limit (specified items) |
£20,000 | £20,000 | £20,000 | Bespoke |
Terms, conditions, policy limits and exclusions apply.
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Policy wording
If you’re an existing customer, you can refer to your policy documents. If you don’t have them on hand, you should be able to find them by logging into your online portal, and clicking ‘My Account’.
If you’re having trouble accessing your documents, please call on 0345 608 9001 (Bronze, Silver and Gold Cover), or 0800 916 6880 (Specialist Cover) to speak to a representative. Call charges will vary, and may be recorded and monitored for training purposes.
Please find links below to the full policy wording:
Gold, Silver and Bronze Cover
Specialist Home Insurance Cover
Please call 0800 916 6880 if you wish to request hard copies of your Specialist Home Insurance policy documents.
Select the relevant link below to view and print your policy document(s).
Gold, Silver and Bronze Cover
- Bronze/Silver/Gold Home Insurance Cover - Insurance Product Information Document (PDF)
- Bronze/Silver/Gold Home Cyber Cover - Insurance Product Information Document (PDF)
- Bronze/Silver/Gold Home Legal Expenses Cover - Insurance Product Information Document (PDF)
- Bronze/Silver/Gold Home Identity Theft Cover - Insurance Product Information Document (PDF)
Specialist Home Insurance Cover
Please call 0800 916 6880 if you wish to request hard copies of your Specialist Home Insurance policy documents.
FAQs
While we don’t offer art insurance as an individual policy, your art could still be covered with our home insurance policies.
Ensuring your home insurance policy has the correct level of cover for your artwork can provide peace of mind if your collection is valuable and important to you.
Art and personal collectibles can be covered by our Bronze, Silver or Gold contents insurance. We can insure an item worth up to £20,000, but all items valued at £3,000 or more will need to be specified. For more valuable pieces of art, and a more extensive level of protection including worldwide cover, we offer John Lewis Specialist Home Insurance.
Our Bronze, Silver and Gold contents cover and Specialist Home Insurance could cover any physical artwork from damage, loss and theft. For more details, please refer to our policy document.
Guides and articles
If something happens to your possessions, contents insurance can help soften the blow.
It's worth covering valuables that would leave you significantly out of pocket if they were lost or stolen.
Make sure your art and collectables are covered with John Lewis Home Insurance.
John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 233462).
Munich Re Digital Partners - our Bronze / Silver / Gold Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Munich Re Digital Partners Limited, which is authorised and regulated by the Financial Conduct Authority to carry out insurance distribution activities (firm reference number: 804106). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales (company number 10207490).
John Lewis Home Insurance is underwritten by Great Lakes Insurance UK Limited (company number: 13436330). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 955859).
Covéa - our Specialist Home Insurance cover
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc (company number: 613259). Registered office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales.
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
Copyright © John Lewis plc 2001 - 2025
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